Chase’s Ultimate Rewards program can offer some incredible value. It’s no surprise that the currency appears near the top of TPG’s July 2026 valuations, checking in at 2.05 cents per point each.

But one of my favorite things about the Ultimate Rewards program is how you can easily transfer points between your Chase credit cards.

By combining Ultimate Rewards points into a single account, you can maximize the value you get out of every redemption. And you can even do this with a household member.

With solid offers across Chase’s product portfolio, including the return of the highest-ever welcome bonus on the Chase Sapphire Preferred® Card (see rates and fees), now could be the perfect time to familiarize yourself with this strategy for maximizing your Chase points.

So, here’s a tutorial on how to transfer Ultimate Rewards points between accounts and a look at when to consider doing so.

Overview of this strategy

Let’s start with a brief overview of why this is so powerful. The various cards that participate in the Ultimate Rewards program have different redemption structures. Some are billed as cash-back. Others allow transfers to partner programs and feature Points Boost, which can extend the value of select redemptions via Chase Travel℠.

Bottom line: Chase allows you to easily pool your rewards into the account that offers the most value.

Even better? You can also do this with a member of your household, putting that next dream trip within reach.

Which cards allow you to combine points?

Here are the cards that allow this strategy:

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The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Ink Business Premier® Credit Card (see rates and fees) is also issued by Chase, but you can’t combine those rewards with other cards.

Savvy readers may notice five cash-back cards on this list.

However, when you hold the Chase Sapphire Reserve, the Chase Sapphire Reserve for Business, the Chase Sapphire Preferred or the Ink Business Preferred, you can effectively convert those cash-back rewards into more valuable points.

There are two different types of transfers you can make:

1. Transfer points between accounts where you’re the primary cardholder.
2. Transfer points between your account and a member of your household.

Related: How much are Chase Ultimate Rewards points worth?

How to get started

The first thing you’ll need to do is ensure that your Ultimate Rewards-earning credit cards are all associated with the same online account — especially if you just got a new one, which should automatically appear shortly after getting approved.

Note that you can have other (non-Ultimate Rewards) accounts associated with the same Chase username. I currently have several others on the same online account, making it easier to manage all my cards.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

How to combine Chase Ultimate Rewards points

To combine your Chase points, start by logging in to the account from which you want to transfer points — be it yours or a household member’s account. Click on an Ultimate Rewards card from the homepage, then click “Redeem” next to your rewards balance.

This will launch the Ultimate Rewards portal. At the top, click on “Rewards details” to see the “Combine points” option.

How to transfer Chase points between your cards

The easier method is moving points among your cards. After clicking the “Combine points” option, enter the number of points you want to transfer (or click the link to move all of them). Then, choose the account where you want to move your rewards and click “Next” at the bottom.

Review the details, then click “Submit” when you’re ready to process the transfer.

This will likely trigger a security verification (typically in the Chase app), so follow the prompts on the screen.

Once successful, you’ll see a confirmation page with the details.

Your new balance should also be reflected at the top of the page, as these transfers happen instantaneously.

For a visual of how this process works, click through this gallery of images:

How to transfer Chase points to another person

In addition to combining your points in a single account, you can also use this functionality to transfer points to (or from) another person’s account.

However, before doing so, read the terms and conditions of combining Ultimate Rewards points:

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards or manufacturing spend, repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account.

When you transfer points to someone else’s Ultimate Rewards account, they must be a member of your household (or an owner of the business for Chase Ink cards).

Currently, when you transfer points to another individual’s account for the first time, you’ll need to call the number on the back of your card. Explain to the agent that you’d like to combine your points with a household member. The agent will then ask for the card number of your household member before you can initiate a transfer.

After calling, your household member’s account should appear online for future transfers.

Once you’ve added a household member’s account, the process is identical to what I outlined above. You’ll choose how many points to transfer, review the details and then submit the transfer request.

When to transfer Ultimate Rewards points between accounts

Now that you know how to combine Ultimate Rewards points into a single account, you may wonder when it makes sense to do so.

Here are three times you’ll want to consider combining Ultimate Rewards points into one account.

Converting cash-back rewards to Ultimate Rewards points

As I discussed earlier, cards like the Chase Freedom Unlimited are not simply cash-back cards. If you also have a premium card, such as the Chase Sapphire Reserve or the Chase Sapphire Preferred, you can convert your cash-back rewards into Ultimate Rewards points.

Ultimate Rewards points are typically most valuable when redeemed directly for travel, particularly when you transfer to partners like Hyatt and United Airlines.

For example, let’s say you have both the Sapphire Preferred and the Chase Freedom Unlimited. The Freedom Unlimited offers these bonus categories that the Sapphire Preferred does not:

• 3% back on drugstore purchases
• 1.5% back on all non-bonused spending

However, those cash-back rewards can be converted into full Ultimate Rewards points if you also have the Sapphire Preferred. As a result, this is equivalent to earning 3 Ultimate Rewards points per dollar spent at drugstores and 1.5 Ultimate Rewards points per dollar spent on non-bonused spending.

That’s better than using the Sapphire Preferred for these purchases, which would net just 1 point per dollar.

This gets even better with the redemption options. With a cash-back card like the Freedom Unlimited, your rewards are generally worth just 1 cent apiece (though Chase occasionally runs specials for gift cards or even Apple products).

But with higher-end cards like the Sapphire Reserve, Sapphire Preferred or the Ink Business Preferred, your points can potentially be used for more value through Chase Travel thanks to these two features:

• Points Boost: With the Sapphire Preferred and Ink Business Preferred, you’ll receive up to 1.75 cents per point on eligible bookings, depending on the card and the specific redemption (see your rewards program agreement for full details). This jumps up to 2 cents for the Sapphire Reserve (see your guide to benefits for more information).
• Points transfer: You can transfer your points to Chase’s 14 airline and hotel partners, which can unlock even more value when you utilize individual program sweet spots.

This is also a great option if your partner or spouse only has cash-back cards with no annual fee, which is precisely the case in my family. My wife has an Ink Business Cash and a Freedom Unlimited, and we periodically transfer her rewards into my Chase Sapphire Reserve account. I can then use these points for more valuable redemptions than she’d get on her own.

Boosting accounts for a specific redemption

Another reason to combine points is if you have a specific redemption in mind. You can book some outstanding awards with Ultimate Rewards points, but you may not have enough points in your account for the one you want. If your designated household member has some extra points, they could transfer those points to you through Ultimate Rewards so you can book the redemption you want.

When you want to cancel a card

A final rationale for combining points is if you want to cancel a card.

Before doing so, transfer your rewards to another of your accounts (or to your designated household member). That way, you don’t lose your rewards.

Related: Here’s why you should never close your credit cards before the 1-year mark

Bottom line

The Ultimate Rewards program is incredibly valuable, and much of that value comes from the flexibility of the points you earn, especially when combining points across your accounts or transferring them to a designated household member.

If you’ve recently signed up for a new Ultimate Rewards-earning card like the Chase Sapphire Preferred Card, I hope this post has given you some insight into how you can extend the value of your points even further.

Related: Chase Sapphire bonus eligibility changes: Here’s what to know